The online banking query process is as follows:

Log in to personal online banking → click "Branch Features" → personal loan information query (query current year's repayment plan, query historical repayment records, my Personal information adjustment);

? 2. The telephone banking inquiry process is as follows:

Call ICBC telephone banking 95588 → For individual customers, please press 1 → Enter the customer number or passbook number or card number → Personal To inquire about loan information, please click 7→Check individual loan information.

3. The bank branch inquiry process is as follows:

Bring your ID card to the local People's Bank of China Credit Information Management Office to inquire and print your personal credit report.

How long is the retention period for bad credit records?

The policy of retaining bad credit records for 5 years from the date of termination of bad behavior has not changed; whether an overdue credit card will constitute a bad record, the grace period of each bank is different

The relevant person in charge of the Credit Bureau of the People's Bank of China told reporters that the online rumor that "the period has been changed from 5 years to 7 years" is untrue. my country's policy of retaining bad personal credit records for 5 years has not changed.

According to the "Credit Information Industry Management Regulations", adverse information refers to the following information that has a negative impact on the credit status of the information subject: the information subject's activities such as borrowing, credit purchase, guarantee, leasing, insurance, and use of credit cards. Information on failure to perform obligations in accordance with the contract, information on administrative penalties imposed on the information subject, information on the people's court's judgment or ruling on the information subject's performance of obligations and enforcement, and other adverse information stipulated by the credit industry supervision and management department of the State Council. The retention period of bad personal information by credit reporting agencies is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be deleted.

The person in charge said that the personal credit data "T+1" project was officially launched on April 15, 2011, which refers to the ability to support commercial banks in the credit business from the date of changes (i.e. T day) and the ability to report data the next day (T+1 day). Currently, most lending institutions will report changes to personal credit data to the credit reporting system the next day. After the credit reporting system objectively matches and integrates the data submitted by the lending institutions, it updates it into the personal credit report without any evaluation.

So, does this mean that one day overdue will constitute a bad record?

The person in charge of the Credit Bureau said that for credit cards, the number of days overdue will constitute a breach of contract and constitute a bad record, which is mainly set by each card issuer. For banks with a grace period, if credit card holders repay within the grace period after the monthly repayment date, their credit records will not be reported to the credit reporting system by the bank. However, for banks that do not have a grace period policy, if the loan is not repaid on the repayment date, it will be recorded as overdue. For cardholders, they should consult the relevant banks in detail to accurately understand and use the grace period prudently to avoid overdue records.

What is the impact of bad personal credit records?

Currently it mainly affects bank loans, credit card approvals, etc.; it is different from "untrustworthy persons subject to enforcement" who are restricted from high consumption etc.

< p>The relevant person in charge of the Credit Bureau said that personal credit report is an objective record of personal credit history, recording personal debt repayment, contract performance, compliance with laws and other information. It includes both positive information about repayment on time and failure to pay on time. Overdue information on repayments. The current personal credit status is mainly recorded in the Credit Reference Center of the People's Bank of China, and inquiries are provided to the individual in the form of a credit report.

The relevant person in charge of the Credit Information Bureau told reporters that the credit information system has not established a "blacklist". At present, personal credit reports are mainly used for bank loans, credit card approval and other purposes. If the personal credit record is good, it will help the individual to quickly obtain loans and credit cards and enjoy low interest rates; if the personal credit record is poor, it will not be conducive to obtaining loans and credit cards, and the interest rates may be higher.

The person in charge said that the personal credit report has nothing to do with the restrictions on "ticket purchase, accommodation, and children's schooling" in the online article. Persons subject to execution for breach of trust announced by the Supreme People's Court will be subject to various restrictions, such as restrictions on flying, soft sleeper trains, and high-speed rail, restrictions on high-end consumption such as accommodation in star-rated hotels, restrictions on children's attendance at high-fee private schools, etc. The Supreme People's Court has a clear definition of "untrustworthy persons subject to enforcement", which is different from persons with bad credit records.

Reference material: What’s going on with your personal credit record